| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | HYATT LEGAL PLANS | $578 | $58 | $636 | 4.69% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | HYATT LEGAL PLANS | $591 | — | $591 | 4.36% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF TEXAS, INC. | 2000 WEST LOOP S, SUITE 2150 HOUSTON, TX 77027 | HYATT LEGAL PLANS | $191 | — | $191 | 1.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 200 LIBERTY STREET, FLOOR 6 NEW YORK, NY 10281 | HYATT LEGAL PLANS | — | $42 | $42 | 0.31% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,789 | $613K |
| Vision | VISION SERVICE PLAN | 643 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,789 | $613K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,789 | $613K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,789 | $613K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 1,074 | $194K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,789 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,789 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.